Gertrude, age $52,$ meets with her life insurance agent so he can determine her

investor profile. During the interview, the agent learns important information.

Gertrude expects to live as long as her mother, who is $92$ years of age. Also,

Gertrude's employer has announced a series of possible layoffs in her

department. Lastly, Gertrude, following a friend's advice, borrowed $$50,000$ to

invest in an international stock portfolio a year ago.

Based on this information, which of the following personal factors is likely to

have the most impact on Gertrude's risk profile?

Personal values.

Health concerns

Legal considerations.

Personal risks.